Retirement income streams- several factors to consider.

Being proactive in your retirement preparations will make a difference.ThE future is not what it used to be . This is a quote from the late Yogi Berra , can apply to a variety of situations in life - and they arecertainly meaningful when planning for you retirement. As a result, you almost certainly need to be more proactive in your retirement preparations than workers from past gerations. Here is a little background for you , from the 1970's american workers that had pensions from their company's was 78% of all workers , today the pension number is closer to 28% of total US workers.The American worker could count on a steady , guarantedd pension from their employer. The lifetme pension amount was based upon the number of years service as well as the salary amount. Today, unless you are a government employee such asa policeman, fireman, correctional officer, and a school teacher you most likely will not have a pension as one of the pillars of your retirement. That is why it is especially important that byou create multiple mincome streams for your retirement years.Perpetual dividend growth investing VS Annuities ?Perpetual - Dividend growth investing is the process of identifying, purchasing, and benefiting from businesses that increase their dividend payment year to year. Dividend growth investing focuseson producing income streams from your investments that grow year after year over time, increasing your passive income stream from a regular distribution in year 1 to a great yeild after 5-10 years. This is an excellent way to build wealth gradually over time.I have personally been using this method of investing for over 30years. The dividend Aristocates and perpetual dividend raisers are the way to go for long-term success. The dividend Aristocateshave raised dividends every year for over 25 years and the perpetual dividend raisors have raised their dividends for less than 25 years, but have consisently raised their payout. Dividend growth investing looks for publicly traded businesses to invest in that take a portion of their profits and pay them out to shareholders, while reinvesting the rest in order to grow the business. In this method, dividend growth businesses can pay rising dividends year after year. If you like the idea of a passive income stream that increases yearly then you will benefit from learning how to implement and execute your dividend growth portfolio. If you would like like to know names in my portfolio, call me at 413-273-1194. I cannot name companies, because of compliance rules.Lastly, it may come as no surprise that bfrom 1928-2015 that dividend paying stocks have historically outperformed stocksthat do not pay a dividend.Enclosing, I personally prefer the dividend growth portfolio compared to Annuites(fixed income stream) - that does not increase. Also, Annuites can have fee's that are very high .On average fee's of 6-8% of the value of the investment are thenormal amount usually upfront sales charge.